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Prosperous soul in the making
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Try not to dip into the EF SavingH! My EF is only at €100 and because it's so low I'm tempted to pay it off a card but I know I need to leave it in there. We have absolutely no buffer if something happened to OHs jobTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20345 -
Get listing your paintings and glass
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1244 -
Thanks CMD - I should end the month with about £700 in total savings depending on how much xmas stuff I get early but next month I should be back above £1K. With both our jobs if we were made redundant we would be due decent payouts - it's only if we had some sort of misconduct or DH went off long term sick that things would get iffy. We could survive a while on one wage - we've done it before.
Lucielle you're right but it is unlikely. I think we even put some of my glass stuff in the loft. I feel like I have just about enough energy to do my day job - and a little bit of writing - and keep the family going and not much more.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/256 -
Sending you positive vibes and energy. Sometimes, we just need to sit back and relax and recuperate. I think there are many with low energy levels at present and trying to get to a point where they are topped back up to being able to fire on all cylinders is not an overnight thing.
Try to stop and smell the flowers for a moment, enjoy Christmas and start the new year with a plan of action that suits your needs.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park5 -
You've done a lot over the years. Even this year there's a lot been done to your home, your health was restrictive for months, you've been painting those delightful pieces, writing and a million and one other things all while working.
Start winding down a little, have some you time, recharge those inner batteries and then think about the next steps.Mortgage started 2020, aiming to clear 31/12/2029.5 -
I'm glad the writing is progressing well. Take time for yourself as well x"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2
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Hope things are a little more settled for you.Mortgage started 2020, aiming to clear 31/12/2029.2
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Thanks guys I wrote a post a few days ago but mustn't have submitted it. Patio circle and plum slate now done . Really pleasedAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/257 -
Sounds fantastic, slate is gorgeous!Mortgage started 2020, aiming to clear 31/12/2029.3
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Wow plum slate. I thought there was only slate grey slate. Sounds lovely!If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720253
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